Take-Home · HRA Exemption · PF · Income Tax · New vs Old Regime
Salary Details
₹2L₹8,00,000₹50L
20%50%80%
0%50%100%
0%12%12%
₹0₹1,20,000₹6L
Metro = 50% of basic, Non-metro = 40% of basic for HRA limit
📋 Old Regime Deductions
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Gross Monthly
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Total Deductions/mo
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Take-Home Monthly
Take-Home
Income Tax
PF (Employee)
PF (Employer)
📊 Detailed Monthly Breakdown
💰 Earnings
Basic Salary
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HRA
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Other Allowances
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Gross Monthly
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➖ Deductions
PF (Employee 12%)
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PF (Employer 12%)
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Income Tax / 12
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Health & Education Cess (4%)
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Total Deductions
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✅ In-Hand
Take-Home Monthly
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🏠 HRA Exemption Calculation: —
⚡ New vs Old Regime — Which saves more?
Based on your inputs
🆕 New Regime
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📋 Old Regime
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Free Salary & HRA Calculator India 2026 — CTC to Take-Home
SuccessMate's Salary & HRA Calculator instantly converts your CTC (Cost to Company) to in-hand take-home salary. Enter your CTC, basic salary percentage, HRA, PF contribution, and rent paid — the calculator shows your exact monthly take-home with a full breakdown of all deductions including PF (employee + employer), income tax under new or old regime, and health & education cess. No login, no data sent anywhere, all calculations run in your browser.
New Regime vs Old Regime 2025-26
The new tax regime (FY 2025-26) offers zero tax up to ₹7 lakh income with lower slab rates but no deductions. The old regime allows HRA exemption, 80C (₹1.5L), 80D (₹25K), home loan interest (₹2L), and standard deduction (₹50K). This calculator computes your tax under both regimes side-by-side so you can choose the one that saves more — typically new regime is better if total deductions are below ₹3.5 lakh.
HRA Exemption Formula
HRA exemption is the minimum of three values: (1) Actual HRA received, (2) Rent paid minus 10% of basic salary, (3) 50% of basic for metro cities (Delhi, Mumbai, Kolkata, Chennai) or 40% for non-metro. Only applicable under old regime. Use this calculator to find your exact HRA exemption and taxable HRA amount.
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❓ Frequently Asked Questions
What is CTC and how is it different from take-home salary? ▾
CTC (Cost to Company) is the total annual expense the employer bears for you — including basic, HRA, allowances, PF (employer's share), gratuity, and insurance. Your take-home salary is CTC minus PF (both shares), income tax, and professional tax. For a ₹10 lakh CTC, typical take-home is ₹65,000–₹72,000/month depending on tax regime and deductions.
How is HRA exemption calculated? ▾
HRA exemption is the minimum of three values: (1) Actual HRA received from employer, (2) Actual rent paid minus 10% of basic salary, (3) 50% of basic salary for metro cities (Delhi, Mumbai, Kolkata, Chennai) or 40% for non-metro cities. Only the exempt portion reduces your taxable income — the rest is taxable. This is only available under the old tax regime.
New regime vs old regime — which is better for me? ▾
New regime is better if your total eligible deductions (HRA + 80C + 80D + home loan interest + NPS) are less than ₹3.5 lakh. If you pay high rent in a metro, invest ₹1.5L in 80C, and have a home loan, old regime may save more. Use the side-by-side comparison in this calculator to see your exact savings under each regime.
What is the PF deduction on salary? ▾
Both you and your employer contribute 12% of basic salary to PF (Provident Fund). Your 12% is deducted from your in-hand salary. Employer's 12% is an additional cost to the company (part of CTC) but doesn't reduce your take-home. PF contributions earn ~8.25% interest and are partially tax-free on withdrawal after 5 years.
Is zero tax up to ₹12 lakh applicable in new regime? ▾
Under the new regime FY 2025-26, income up to ₹7 lakh has zero tax due to Section 87A rebate. For income up to ₹12.75 lakh, with the ₹75,000 standard deduction, the effective taxable income is ₹12 lakh and marginal relief provisions apply making effective tax near zero. This calculator uses the standard 87A rebate threshold of ₹7 lakh.
How accurate is this salary calculator? ▾
This calculator uses the official income tax slabs for FY 2025-26, correct HRA exemption formula, and standard PF deduction rules. It's accurate for most salaried employees. It doesn't account for professional tax (varies by state, typically ₹200/month), gratuity, ESOP income, perquisites, or city-specific deductions. For exact tax computation, consult a CA or use the official income tax portal.